The Finance Base / Apps / Actual Budget
actualbudget.org
Actual Budget
Actual Budget is budgeting software built around envelope budgeting. Its listed tools include budgeting, bill tracking and net-worth tracking, alongside account sync and report export. It is available on the web and on Windows, macOS and Linux. The Free and open source plan costs nothing and…
Visit actualbudget.org ↗ What it costs
- Free planprice, as published
- Oct 12, 2026read on
What Actual Budget costs
- Free and open source Free
As app.actualbudget.org publishes them, read Sep 19, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web Windows · Mac · Linux
- Facts on record
- 19
Strengths and limits
Strengths
- Free and open source under the MIT license.
- Supports web, Windows, macOS and Linux.
- Includes bill and net-worth tracking.
- Report export is available.
Limits
- Synchronization is optional and self-hosted.
- Only one plan is listed.
Facts we read
- Account syncboth · actualbudget.org, Sep 19, 2026
- Bank integrationsDocumented bank sync providers include Akahu, Enable Banking, GoCardless, SimpleFIN Bridge and Pluggy.ai. · actualbudget.org, Oct 12, 2026
- Bank sync requirementsBank integration requires actual-server and credentials from the chosen provider; automatic transaction syncing is off by default. · actualbudget.org, Oct 12, 2026
- Bill trackingYes · actualbudget.org, Sep 19, 2026
- BudgetingEnvelope budgeting lets users assign only cash they have on hand. · actualbudget.org, Oct 12, 2026
- Budgeting toolsYes · actualbudget.org, Sep 19, 2026
- Desktop platformsDownload pages list desktop clients for Windows, macOS and Linux. · actualbudget.org, Oct 12, 2026
- EncryptionOptional end-to-end encryption prevents the server from accessing encrypted budget data, but does not cover bank sync tokens. · actualbudget.org, Oct 12, 2026
- Encryption limitationIf the encryption password is forgotten and no local data copy remains, the encrypted data cannot be recovered. · actualbudget.org, Oct 12, 2026
- Free planYes · actualbudget.org, Sep 19, 2026
- ImportsActual supports importing QIF, OFX, QFX, CAMT.053 and CSV files. · actualbudget.org, Oct 12, 2026
- Local-firstThe app stores data on the local device and selected Actual server, and works without a network connection. · actualbudget.org, Oct 12, 2026
- Net-worth trackingYes · actualbudget.org, Sep 19, 2026
- Report exportYes · actualbudget.org, Sep 19, 2026
Verdict
Actual Budget combines envelope budgeting with bill and net-worth tracking across web and desktop platforms. Its free, open-source model and optional self-hosted synchronization will suit some users, but the listed sync option requires self-hosting.
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